Flood Claims Map

Florida

Flood insurance claims in Calhoun County, Florida

FEMA records 142 National Flood Insurance Program claims in Calhoun County, Florida, since 1984, with $2.1 million paid in total. The year with the most claims was 1998, with 53. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 11.2% of homes in the high-risk flood zone did.

NFIP claims on record142
Total paid$2.1 million
Claims with a payment118
Homes with NFIP policy1.2%
High-risk zone homes insured11.2%
Residential policies in force80

Claims by year of loss

1984: 219841985: 11986: 11987: 01988: 019881989: 01990: 31991: 61992: 019921993: 01994: 381995: 11996: 019961997: 01998: 531999: 02000: 020002001: 02002: 02003: 02004: 120042005: 12006: 02007: 02008: 020082009: 202010: 12011: 02012: 020122013: 32014: 22015: 02016: 220162017: 02018: 42019: 12020: 120202021: 02022: 02023: 153

NFIP claims by year of loss, Calhoun County, Florida

1984: $7,93119841985: $01986: $2,0151987: $01988: $019881989: $01990: $117,2831991: $123,5701992: $019921993: $01994: $564,8781995: $38,8721996: $019961997: $01998: $611,2391999: $02000: $020002001: $02002: $02003: $02004: $6,08020042005: $80,8872006: $02007: $02008: $020082009: $325,2542010: $25,0952011: $02012: $020122013: $27,6102014: $87,3502015: $02016: $31,14020162017: $02018: $33,8522019: $02020: $1,92920202021: $02022: $02023: $0$611,239

Paid on claims by year of loss (building, contents and increased cost of compliance), Calhoun County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Alberto33
Hurricane Michael3
Flooding3
Hurricane Elena1
Hurricane Ivan1
Hurricane Opal1
Mid-spring storms1
Hurricane Sally1

ZIP codes with the most claims

ZIP code (as reported)Claims
3242481
3242153
324494
324303

111 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.7 million, contents $323,096, increased cost of compliance $15,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6076811.2%
All homes6,430801.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.